Medicare and Medicaid Healthcare Plans



Medicare and Medicaid Healthcare Plans

Introduction

Medicare is universal health coverage for people over sixty-five years and for the disabled. Medicaid is for those who live below the poverty line. The budget comes from contributions withheld from the wages during the years of activity. The long-term stays in nursing homes, basic ophthalmology outpatient visits are not covered.

Medicaid provides preventive care and cures the poor, elderly, homeless, handicapped, mainly mothers and children. The funds are provided by the Federal Government and the States who serve them, which introduces significant differences, the poverty threshold varies from one State to another and the conditions of registration and the financial burden of long-term stays.

Thesis Statement

Medicare and Medicaid are the two public health care programs of the United States, on which an important part of the possible cuts to the deficit is performed. Medicare is intended for those who have more than 65 years; however, Medicaid is reserved for the poor. According to the deficit reduction plan proposed by the White House, a revision of the two programs should generate savings of 480 billion by 2023 and at least one million within the next decade.

Strengths

Medicare is the basic program of health insurance in the United States for people over 65 and people with disabilities. The program has four parts:

Hospital insurance (Part A) helps pay for hospital or stay in a skilled nursing facility, and some health care services at home or in a hospice

Medical insurance (Part B) helps pay for doctors' services, outpatient hospital and other medical services not covered by hospital insurance

Medicare Advantage plans (Part C) includes organizations providing health services and allows people with Medicare Parts A and B can choose to receive all health care through one of these organizations

Prescription drug coverage to Medicare (Part D) helps pay for medications doctors prescribed as part of their treatment (Karen, 2008)

Medicaid is to cover people who have limited resources. In this way, families and single people with low incomes will be the likely beneficiary of this insurance. However, access to Medicaid will be determined by the State in which it resides, and that the scales for that guide each of the states of USA to have the resources and finances are different. In addition, you can also consider for approving access to Medicaid as follows:

The patient's age

If they have a disability such as blindness

If the woman is pregnant

A U.S. citizen or legal immigrant

In the case of a pregnant woman who is entitled to Medicaid, the newborn will be covered by this insurance until age one. Families with children under 18 years (sometimes up to 21), if they need medical care, often have large numbers of benefits in all the states.

Since this depends on the social insurance state, it is important to learn well in the center that corresponds to hear first hand if they meet the conditions to qualify for Medicaid. In case of doubt and if you have low incomes and there is a family in need of medical treatment ...